Cannot obtain clarity on chargeback

Case ID : ********** 7

I am struggling to find someone competent enough to explain to me my rights regarding credit card charge backs.

Simply put: 1. I made an incorrect hotel reservation 2. After realising my mistake requested cancellation after 23 hours. 3. The merchant is not responding to my messages to cancel it without charge or at least charge less than the full amount of the 1 night booking. 4. I researched Visa's consumer protection clauses and I am within my full right to cancel a hotel reservation within 24-hours without charge (just like most other purchases work).

FNB keeps telling me to sort it out with the merchant directly. How is this even a valid response if the reason for my chargeback is an uncooperative merchant.

I need either of the following from FNB: 1. Process the chargeback OR 2. Provide me with an explanation (preferably accompanied by documentation) why this is not a valid chargeback.

Its really as simple as that - please stop wasting my and your own time by providing irrelevant copy paste template responses.

And please stop telling me to call the callcenter regarding this case. If I wanted to call I would not have sent an email in the first place to pay the high price of waiting for ever for assistance. Besides I am out of the country without roaming and cannot call even if I wanted to. If you really insist to discuss this simple matter in voice I am available on all the modern communication platforms (skype, hangouts, telegram, whatsapp, anything really except this ridiculously expensive, outdated and inconvenient land/mobile phone call system)